Back   Home Two Wheeler Insurance Policy

Now enjoy convenience of insurance and protection up to three years through HDFC ERGO Long Term Two Wheeler Insurance. Buy two wheeler insurance online in 3 easy steps and become free from worry of yearly renewals with 2 and 3 years policy tenure.


Key Highlights

  • Comprehensive cover with two and three years insurance policy options

  • Enjoy additional discount with Long term covers.

  • Protection against annual increase in Third Party insurance premium

  • Enjoy NCB protection on two and three years insurance policies

  • Paperless Issuance process of 2 wheeler insurance policy onlines

  • Cashless claim service at authorized network garages



  • Protection to vehicle: Loss or damage due to theft, accidental damage, natural calamities etc

  • Third party liability: Covers legal liability that may arise due to an injury or death of a third party or damage to property of a third party in case of an accident involving your scooter/motorbike

  • Personal accident cover for owner / driver: Compulsory Personal Accident Cover for the owner/driver for an amount of Rs. 1 lac which covers accidental death and total disability of the owner/driver

  • Policy tenure: Option to buy either two years or three years 2 wheeler insurance policy online

  • No Claim Bonus: For long term insurance policy (two and three years tenure) NCB benefit for each year will be provided, For two and three years policy, NCB will remain protected during policy period. However, post completion of policy tenure, you’ll be awarded incremental NCB slab on renewal, subject to each claim free year.

  • Add ons: Option to buy “Emergency Assistance” and “Zero Depreciation Cover” with annual insurance policies only



Sum Insured

The coverage for your Vehicle would depend on the manufacturer’s listed selling price less depreciation for each year or the IDV (Insured’s declared Value). The IDV would be the maximum amount payable in the event of a claim for Total Loss / Theft.



The premium on your Two Wheeler Insurance policy would depend on:

  • IDV or sum insured

  • Age of the vehicle

  • Vehicle type

  • Policy tenure

  • No claim bonus

  • Place of vehicle registration

A number of optional covers are also available on payment of an additional premium. They are:-

  • Personal Accident cover for owner/driver

  • Personal Accident cover for pillion passengers



  • General Ageing, wear and tear

  • Damage by a person driving without a valid driving license

  • Mechanical or Electrical breakdown, failure

  • Damage by a person driving under the influence of Liquor / Alcohol / Drugs

  • Depreciation, any consequential loss

  • Loss/Damage attributable to War / Mutiny / Nuclear Risks

  • Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement

  • Loss / Damage, outside India